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Pearl City, Hawaii Car Insurance


Pearl City traffic laws differ substantially depending on what kind of motorized bike you are riding. Unfortunately, the definition of each category of motorbike is difficult to determine. Before you begin to ride your moped, scooter, or motorcycle around the island, it is a good idea to become familiar with your bike's official designation so that you can follow the laws that apply to your specific type of vehicle.

Laws Different for a Moped and a Scooter

Most people rely on their own idea of what a moped or a scooter is. Pearl City legal records draw a finite distinction between the two kinds of motor bikes. It makes a difference which one you are riding, because the laws are determined depending on the category under which your bike falls. If you are riding a moped, for example, you cannot carry a passenger. Scooter riders can ride with two people on the bike legally. Scooter riders are also required to have a different type of license in order to operate their bikes on the street.

Engine Size is the Key to Classification

The main difference between a moped and a scooter is engine size. A moped has a smaller engine than a scooter. The city classifies mopeds as two or three-wheeled vehicles that have top speeds of 30 mph or less. Scooters are more robust. A scooter can travel at normal highway speeds, and it is legal on any city street. The larger engine of a scooter provides it with the extra burst of energy it needs to travel faster. Scooters are smaller than motorcycles, but the city classifies them more closely to a motorcycle than a moped.

Dangers of Driving a Moped in Crowded Tourist Cities

Pearl City can be a dangerous place to ride a moped or a scooter. Tourists can pack the island, often unfamiliar with the road system. Shops rent mopeds and scooters to the tourists, so they are usually exploring the islands at speeds of at least 30 mph. If you plan to ride your scooter around the island, you will need to be aware that there are many inexperienced riders on the road who may be distracted by the scenery. It is a good idea to wear protective gear any time you ride your bike so that you can reduce the risk of injury.

Different Insurance for Different Categories

Mopeds and scooters have different insurance requirements in Hawaii. You will need to purchase insurance if you plan to ride a scooter, but you will not need insurance if you ride a moped. In an accident police treat moped riders like bicyclists in an accident, but they treat scooter riders like motorcyclists. The responsibility for repairs increases when you are riding a scooter because you are usually traveling at higher rates of speed.

If you are interested in learning more about scooter insurance costs in Pearl City, enter your zip code into the form on this page. You will get the best results if you request three or more quotes.

Pearl City ranks as the sixth most populous community in Hawaii with around 32,000 residents. Situated between Honolulu (the biggest city) and Pearl City (the fifth largest community), Pearl City is part of the larger Honolulu metropolitan area and is administrated by the City and County of Honolulu. The city is perhaps best known for its association with Pearl Harbor and still has a strong U.S. military presence with several military facilities being in the immediate area. 2004 saw a huge spike in the number of fatal automobile accidents, drunk driving incidents, and pedestrian-related traffic accidents in Pearl City, but since then the local administration has curtailed these incidents and no the city ranks below the state average for these kinds of traffic related problems.

Owning and operating a car in Hawaii can be an expensive undertaking because the vehicles themselves, all the related parts and accessories as well as the fuel must be imported by ship. Further, in 2008 Forbes magazine ranked Hawaii as the worst state in the United States in which to own a car based upon the results of the cost to own study conducted by Edmunds.com. The TCO study looked at a range of factors beyond simply buying the car, such as the cost of taxes, licenses, insurance, fuel, parking, and so on. The result was that people that opt to drive in Hawaii can expect to pay considerably higher auto insurance rates for many of these expenses than other Americans.

Although vehicle owners pay a lot for that privilege in Hawaii, automobile insurance itself is not as expensive as one might think. In fact, Hawaii did not make the list of the ten most expensive states for car insurance at all and was ranked as number sixteen in 2007, a slight improvement over 2006 when Hawaii was in fifteenth place. As a no fault state, drivers are required to not only have the basic liability insurance required in most states, but drivers must also have personal injury protection (PIP) insurance as well. Newcomers to Hawaii should also note that almost a quarter of all auto accidents in Hawaii are related to pedestrians, so it may be worth the effort to look into appropriate coverage for this possibility as well.

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